Which endorsement would be appropriate when the named insured is an individual and at least one covered auto is a private passenger auto?

• A. Individual Named Insured CA 99 17
• B. Designated Insured CA 20 48
• C. Lessor - Additional Insured and Loss Payee CA 20 01
• D. Drive Other Car CA 99 10

Answer: (A)

When the named insured is an individual and at least one covered auto is a private passenger auto, you want to explicitly identify that person as the insured on the policy so all coverages clearly attach to them for the vehicles involved. The Individual Named Insured endorsement CA 99 17 does exactly that by naming the specific person as the insured under the policy. This ensures the policy’s liability, medical payments, uninsured/underinsured motorist, and other coverages apply to that individual for the private passenger auto and any other covered vehicles, without ambiguity about who is covered.

Other endorsements serve different purposes, so they aren’t the best fit here. Drive Other Car CA 99 10 mainly extends coverage for a non-owned car you drive, not for establishing the named insured. Designated Insured CA 20 48 adds another person as insured, which isn’t needed if the named insured is already an individual. Lessor - Additional Insured and Loss Payee CA 20 01 is for lessors of vehicles and loss-payee interests, not for naming the individual insured on a personal auto policy.